Rule of thumb, you are the only one who gets to decide your gender and how you express it. For example I recently came out as gender-queer (he/they/she). I was born male, and I look masculine. I have no issue with identifying as male, but I found it limiting and not representative of the whole me. On the surface though no one would notice that unless I told them. At least for now. I am working on being more comfortable publicly expressing in more feminine ways. That is to say I don't "look" gender-queer or non-binary, doesnt make me any less so.
In terms of transphobia, I think you outline exactly why you aren't transphobic. You treat trans people how they want to be treated, with respect. You are accepting of it, you even identify with it. Unless other people are calling out specific behavior regularly, I wouldnt worry about being considered transphobic. Personally, I found myself wondering how anything you mentioned could be considered transphobic, so take that as evidence that you are not transphobic. Explore your gender identity and dont let others control how you identify or how you express it. Gender expression and identity are two different things and they don't always line up neatly. The whole point of being queer is not letting others fit you into their narrow boxes.